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Utah Closing-Cost Estimator

Your cash to close on a Utah County home, line by line in the same order as your Loan Estimate.

Interactive Tool Fees checked October 20, 2026 Runs in your browser

Most closing-cost calculators multiply the price by a percentage. This one does not, because in Utah the parts behave too differently for one percentage to mean much. The government lines are fixed and published: Utah County charges $40 to record each document, and its schedule has no charge based on the price. Prepaid interest and the property-tax escrow are arithmetic, worked out here from your closing date and your tax area's rate. Everything a lender or title company charges comes from their own quote, so those boxes start empty: copy them from your Loan Estimate, section by section, and the tool adds it up.

This is an estimate for planning, not financial or legal advice. Your Closing Disclosure, due at least three business days before closing, is the binding figure.

The purchase

Freddie Mac's 30-year national average as of October 15, 2026. Use your locked rate if you have one.

Sets the prepaid-interest days.

Final 2025 combined rates from the Utah State Tax Commission. Used only for the property-tax escrow line.

Will you live in it?
Loan costs (Loan Estimate page 2, sections A to C)

Title premiums in Utah come from each insurer's rate filing with the state, so we leave this to your quote rather than print a guess. Our guide to title insurance and closing costs in Utah explains which parts vary most between companies.

E. Taxes and other government fees

$40 each on the Utah County Recorder's schedule, set by the Legislature. Two covers the deed and the loan's trust deed; change it if your Loan Estimate shows more.

Transfer tax: $0. Under the federal Loan Estimate rules, a transfer tax is a government fee figured from the price or loan amount. Utah County's schedule has no such fee, only the flat recording charge.

F. Prepaids and G. initial escrow

Prepaid interest is calculated for you: the loan amount times the rate, divided by 365, for each day from closing through the end of that month. Some lenders use a 360-day year.

H. Other, and credits

Reading the result

Closing costs are sections A through H added together. Cash to close is that total plus your down payment, minus the earnest money you already handed over and any credits from the seller or lender. Sections A through C are the loan costs; section C lists the settlement services the federal rules let you shop for. Sections F and G are not fees at all: they prepay interest, insurance and taxes you would owe anyway, which is why a December closing and a January closing on the same house can show different totals.

Utah property taxes are due November 30 each year under state law (the next business day when it falls on a weekend or holiday), and the escrow your lender collects is building toward that bill. The lender sets how many months it collects at closing, and the number appears on your Loan Estimate. For the bigger picture before you get that far, the home affordability calculator finds a price range, buying a home in Provo lays out the buying process step by step, and shopping a mortgage lender in Utah covers comparing two Loan Estimates side by side.

Sources

Every default, rate and fee in this tool comes from one of these pages, read on the date shown. Rates and fees change; check the date before relying on a figure.

  1. Recording Fees, Utah County Recorder. Checked October 20, 2026. Used for: $40 per recorded document, set by the Legislature; no price-based charge.
  2. Regulation Z, 12 CFR 1026.37 (Loan Estimate content) and official interpretations, Consumer Financial Protection Bureau. Checked October 20, 2026. Used for: Loan Estimate sections A to H, the recording fee and transfer tax definitions, and what counts as prepaid interest.
  3. Regulation Z, 12 CFR 1026.19 (timing of the Loan Estimate and Closing Disclosure), Consumer Financial Protection Bureau. Checked October 20, 2026. Used for: The Closing Disclosure must reach you no later than three business days before closing.
  4. Utah Code 59-2-1331, Date taxes payable and delinquent, Utah State Legislature. Checked October 20, 2026. Used for: Property taxes are due November 30 each year.
  5. Utah Code 31A-19a-203, Rate filings, Utah State Legislature. Checked October 20, 2026. Used for: Insurers must file all rates and may not issue a policy outside them.
  6. Utah Code 31A-19a-209, Special provisions for title insurance, Utah State Legislature. Checked October 20, 2026. Used for: Title rate standards set by the Title and Escrow Commission.
  7. Primary Mortgage Market Survey (weekly averages as of 10/15/2026), Freddie Mac. Checked October 20, 2026. Used for: Default interest rate for the prepaid-interest line.
  8. 2025 Tax Rates by Tax Area (Report 600), Utah State Tax Commission. Checked October 20, 2026. Used for: Tax rate for the property-tax escrow line.
  9. Residential Exemption, Utah County Assessor. Checked October 20, 2026. Used for: Primary residence taxed on 55% of market value.